There’s a lot of talk in Washington these days about the deficiencies of the 401(k) system. There is already sufficient agreement on Capitol Hill—regardless of who wins the White House or who controls the House and Senate—to approve legislation that would allow small businesses to join newly created multi-employer retirement plans. So far, legislation has been introduced on both sides of Capitol Hill to make this concept a reality. The prospect of streamlined, multi-employer 401(k) plans for small businesses could be great for financial advisers according to a recent report at www.investmentnews.com.